American Farmers Ranchers Car Insurance Review [2024]

American Farmers & Ranchers car insurance was founded in 1905 to provide insurance products to farmers and ranchers. Enter your ZIP in our free tool and compare online quotes.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced insurance agent who founded and His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...

Licensed Insurance Agent

Joel Ohman

Certified Financial Planner

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Certified Financial Planner

UPDATED: Nov 8, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 4400 Will Rogers Parkway
City: Oklahoma City
State: OK
ZIP Code: 73108
Phone Number: 800-324-7771
Year Founded: 1905

Here's what you need to know...

  • American Farmers & Ranchers insurance provides car insurance for all drivers
  • Based on previous A.M. Best ratings, the company does not have much financial security
  • If you are searching for car insurance coverage, be sure to compare rates from multiple companies before making a decision

American Farmers & Ranchers (AFR) insurance company is one that specializes in insurance solutions for farmers and ranchers. Although this is their specialty, you don’t have to be a farmer or rancher to purchase insurance from this provider.

American Farmers & Ranchers offers many different types of insurance options.

In fact, they claim that they can handle most of your insurance needs, including car insurance, which falls under their casualty insurance category.

By entering your zip code now, you can find car insurance rates from multiple companies!

American Farmers & Ranchers Insurance

American Farmers & Ranchers Mutual Insurance Company was founded in 1905 and was originally founded to provide insurance exclusively to farmers and ranchers.

Over the years, they opened their doors to other customers in order to thrive.

American Farmers & Ranchers Mutual does not have a Better Business Bureau rating. In addition, they are not a BBB accredited business.

This makes it more difficult to determine if there have been any problems with the services provided by American Farmers & Ranchers Mutual.

In addition, American Farmers & Ranchers Mutual no longer has an A.M. Best rating because their financial stability has fallen so low.

The ratings were removed at the request of American Farmers & Ranchers Mutual and, as of yet, they have not improved enough to have their car insurance company ranked again.

Ultimately, these facts suggest that American Farmers & Ranchers Mutual is not a stable company, and they have no place for customers to report problems or issues with their services outside of state-registered sties.

With your zip code, you can get car insurance quotes from multiple well-rated companies today!

Frequently Asked Questions

What coverage options are available for car insurance from American Farmers & Ranchers?

American Farmers & Ranchers offers standard coverage options for car insurance, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. They can customize a policy to fit your specific needs.

Can I bundle my car insurance with other insurance policies from American Farmers & Ranchers?

Yes, American Farmers & Ranchers provides the option to bundle your car insurance with other insurance policies they offer, such as homeowners insurance, renters insurance, or farm insurance. Bundling policies can often lead to cost savings and convenience.

Are there any discounts available for American Farmers & Ranchers car insurance?

American Farmers & Ranchers may offer various discounts to policyholders. These can include safe driver discounts, multi-vehicle discounts, good student discounts, and discounts for certain safety features in your car. It’s recommended to inquire about available discounts when obtaining a quote.

Does American Farmers & Ranchers offer roadside assistance coverage?

Yes, American Farmers & Ranchers may offer optional roadside assistance coverage as part of their car insurance policies. Roadside assistance can provide services such as towing, fuel delivery, lockout assistance, and flat tire assistance in case of emergencies.

Can I manage my American Farmers & Ranchers car insurance policy online?

Yes, American Farmers & Ranchers may provide online account management options for policyholders. Through their website or mobile app, you may be able to access your policy information, make payments, view documents, and request changes to your coverage.

Can I cancel my American Farmers & Ranchers car insurance policy if I find a better option?

Yes, you can typically cancel your American Farmers & Ranchers car insurance policy if you find a better option. However, it’s important to review the terms and conditions of your policy to understand any potential cancellation fees or notice requirements.

for American Farmers & Ranchers

3.59 (86 reviews)
November 3, 2018


AFR is a good company

I have never had any issues with AFR, and I am happy to be a member. I was told by my mother that they are a good respectable company that doesn’t accept everyone, so I feel privileged. I believe their prices are very fair.
October 19, 2018


Americans Farmers&Ranchers RULES!

So far my experience has been a journey and unmatched anticipation and enthusiasm. Th service is unmatched customer satisfaction gaurenteed.
September 13, 2018



Good company with low prices! Amazing customer service and they are always helpful. Down to earth company.
April 19, 2018


Great insurance

They have been a wonderful insurance. There customer service and agent are wonderful to work with.
March 10, 2018


'Real' customer service and claims adjusters.

Great Customer Service. Rates are very good. Rates for older cars for liability, for 6 months. are better than most for just a month. Can pay online or with the agent. Settle claim quickly and fairly. Have added a service and not raised rated. Good value unlike most greedy companies.
March 7, 2018


Good company

This company is about the lowest I can find with the coverage I have. After being with them for so many years I get more discounts and just can't bring myself to change companies for a few dollars. My daughter had a claim with them years ago and it went smoothly.
March 7, 2018


Don't use them

They sucked and I don't know why anyone would ever use them, to be honest. Don't buy anything from them.
March 2, 2018


Nice company

Very nice company to work with. I recommend them to anyone that is looking for a new insurance company.
February 12, 2018


Would not recommend

Premiums were way to high and it was hassle during claims. Customer service was rude at times and not transparent
January 16, 2018



↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption